LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,872
−HK$5,823/mo
▼ 0.25% · 3.875%
HK$95,760
−HK$2,935/mo
Today · 4.125%
HK$98,695
baseline
▲ 0.50% · 4.625%
HK$104,701
+HK$6,006/mo
Deposit HK$20.36M · loan HK$20.36M · min. income ≈ HK$197,390/mo (50% DSR)
Upfront cash ≈ HK$22.10M (deposit + AVD stamp duty HK$1,730,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,319
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$106,090
−HK$2,811/mo
Today · 4.125%
HK$108,901
baseline
▲ 0.50% · 4.625%
HK$114,641
+HK$5,740/mo
Deposit HK$20.36M · loan HK$20.36M · min. income ≈ HK$217,802/mo (50% DSR)
Upfront cash ≈ HK$22.10M (deposit + AVD stamp duty HK$1,730,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,446
−HK$6,989/mo
▼ 0.25% · 3.875%
HK$114,913
−HK$3,522/mo
Today · 4.125%
HK$118,435
baseline
▲ 0.50% · 4.625%
HK$125,641
+HK$7,206/mo
Deposit HK$16.29M · loan HK$24.44M · min. income ≈ HK$236,870/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,730,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,982
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$127,308
−HK$3,373/mo
Today · 4.125%
HK$130,681
baseline
▲ 0.50% · 4.625%
HK$137,569
+HK$6,888/mo
Deposit HK$16.29M · loan HK$24.44M · min. income ≈ HK$261,362/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,730,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,020
−HK$8,154/mo
▼ 0.25% · 3.875%
HK$134,065
−HK$4,109/mo
Today · 4.125%
HK$138,174
baseline
▲ 0.50% · 4.625%
HK$146,581
+HK$8,407/mo
Deposit HK$12.22M · loan HK$28.51M · min. income ≈ HK$276,348/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,730,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,646
−HK$7,815/mo
▼ 0.25% · 3.875%
HK$148,526
−HK$3,935/mo
Today · 4.125%
HK$152,461
baseline
▲ 0.50% · 4.625%
HK$160,497
+HK$8,036/mo
Deposit HK$12.22M · loan HK$28.51M · min. income ≈ HK$304,922/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,730,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,169
−HK$10,483/mo
▼ 0.25% · 3.875%
HK$172,369
−HK$5,283/mo
Today · 4.125%
HK$177,652
baseline
▲ 0.50% · 4.625%
HK$188,462
+HK$10,810/mo
Deposit HK$4.07M · loan HK$36.66M · min. income ≈ HK$355,304/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,730,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,974
−HK$10,047/mo
▼ 0.25% · 3.875%
HK$190,961
−HK$5,060/mo
Today · 4.125%
HK$196,021
baseline
▲ 0.50% · 4.625%
HK$206,354
+HK$10,333/mo
Deposit HK$4.07M · loan HK$36.66M · min. income ≈ HK$392,042/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,730,965 · Scale 2, in force from 26 Feb 2026)